Posts  / #POST-203900
REDDIT

Most of your money will come from your income and how much you decide to save rather than investment returns

O
Mar 27, 2025 · 08:38

Don't get me wrong. I know some of us here probably will get lucky on some insane degen bets and get crazy ROI that one could only dream of. But for the most part, I've realized that most of my net worth has come from my paycheck, and decisions I've made to save rather than invest. VOOing and chilling has definitely helped for sure. But the profits from investing only account for 20% of my net worth.

I know this compounds and goes up quicker and quicker as you get older. But I feel like it is easy to forget how damn important it to have a solid paycheck that doesn't just go to rent and other expenditures during the first half of your life.

By the time you retire, assuming you are able to climb some kind of pay ladder in your line of work, most of your net worth should theoretically come from how much you decide to save rather than the investment profits themselves. Save save save!!